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ESL Visa Credit Card Options

Empower your wallet with a card that benefits you.

Both credit cards offer a 12-month 0% introductory rate on purchases and balance transfers,1 along with no annual fee1 or balance transfer fees.1 Either option is a wise decision for consolidating credit card balances with higher interest rates, helping you save money.

ESL Visa® Credit Card

  • 'Triple Zero’ for maximum savings
    • 0% APR for 12 months1
    • $0 balance transfer fees1
    • $0 annual fees1
  • Low ongoing rate (13.50%-17.99%1)
  • Grow your Owners’ Dividend — every purchase you make with your card and your average monthly outstanding balances help increase your Owners’ Dividend2
  • Easy account management with mobile and online banking
  • Fast, secure transactions in-store and online with tap-to-pay, digital wallets, and card-on-file options
  • No cash advance fee1
  • Visa cardholder benefits
  • Visa Zero Liability Policy3

ESL Visa Credit Card Rates and Terms

ESL Rewards Visa Signature® Credit Card

  • Earn points quicker with everyday purchases
    • 3 points per $1 spent on Dining
    • 2 points per $1 spent on Groceries, Gas, and Travel
    • 1 point per $1 spent everywhere else
  • 20,000 bonus rewards points when you spend $1,000 in the first 90 days.4 This is a $200 cash value.
  • 0% APR for 12 months, $0 fess on balance transfers and $0 annual fees1
  • A lower ongoing rate (16.50%-17.99%1)
  • Grow your Owners’ Dividend — every purchase you make with your card and your average monthly outstanding balances help increase your Owners’ Dividend2
  • Earn bonus rewards when shopping your favorite local and national retailers by activating offers within ESL uChoose Rewards®
  • Easily track and redeem rewards within ESL Mobile or Online Banking for cash back, gift cards, and travel. Or, connect your card to PayPal and utilize Pay with Points during checkout.

ESL Rewards Visa Signature Credit Card Rates and Terms

 

Rates accurate as of

1: 0% Introductory APR available to new accounts only. Rates subject to credit evaluation. Annual Percentage Rate (APR) is variable and may increase. Introductory rate of 0.00% is fixed for 12 billing cycles from account open date. After that, ESL Visa Credit Card Prime Rate + 5.00% up to Prime Rate + 14.24%, and ESL Rewards Visa Signature Credit Card Prime Rate + 8.00% up to Prime Rate + 14.24% to determine the purchase and balance transfer rates. Maximum APR is 17.99%. As of 3/15/24, the Prime Rate was [current prime rate]. Foreign transaction fees may apply.

2: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a dividend is not guaranteed.

3: Visa Zero Liability Policy does not apply to ATM transactions or to PIN transactions not processed by Visa.

4: New accounts receive 10,000 Bonus Rewards Points by making $1,000 in qualified purchases or balance transfers within the first 90 days from account open date.

ESL is an equal opportunity lender. VISA is a registered trademark of Visa International Service Association and used under license.